The following has happened: A German caused an accident with her vehicle registered in D in Switzerland due to several traffic violations in a row, which were documented by police, and damaged 3 vehicles, a house and a garden fence. Everything is documented by police, the driver loses the driver’s card on the spot, acknowledges her guilt and signs the protocol accordingly and there comes days later also an expert of the insurance and sees the The insurance company then writes to the individual injured persons and informs them that due to the large cost difference between CH and D and the unproven sole debt of the insured persons, only a maximum of 50% of the damage is paid, without VAT, this would correspond to the amounts due in D for this damage. The damage to the building is not paid at all since there was still repaired on the same day (window, door and wall were defective, -21°C except The accident was a steep, narrow mountain road, slightly covered with snow and ice, slight snowfall, -20°C, the driver has driven down the mountain. Traffic violations according to police protocol: -Do not control the Fzg -Inappropriate speed -Inappropriate equipment of the Fzg (winter tires 12 years and below) b Minimum profile depth, Fzg but only 5 years, the tires it allegedly bought only in the bay) -Grobe disregard of the pre-accession rules (who drove up the mountain has advanced) The driver’s pass was confiscated on the spot and a 4 digit security service had to be paid, the car was no longer mobile anyway. Accident: The lady descends the narrow, steep and curvy mountain road and, despite visible oncoming traffic, does not stop in the stop bay on her side at son who drives at high speed (allegedly it has slipped), hits the first car in the oncoming traffic side-frontal, slips away sideways, hits 2 parked vehicles, then slips through the garden fence against the house and comes there only in the house entrance door to stand. So really massively too fast for the weather.